It takes courage to look wrong early and be right in the long run™
ADRIAN C. SPITTERS
Investments Beyond Stocks and Bonds
Understand What You Own, How It Works and When You Can Access Your Money.
Understand the possible income, the risks, when you can reach your money, and how long it may be tied up.
Some investments are not traded each day on a public market. They may include private real estate, mortgages, private loans, infrastructure, or ownership in private companies.
These investments may add income or provide a different source of return. They can also be hard to sell, difficult to value, and more dependent on the manager. We help you understand both sides before you decide.
Nearly four decades of advisory experience. One advisor who understands the whole picture. Independent specialists when needed.
Who We Help
Eligible investors who want to look beyond public stocks and bonds.
Families seeking income from real estate, mortgages, private loans, or other private investments.
Business owners who understand long holding periods but want clearer review and reporting.
People who want to reduce reliance on public markets without giving up too much access to their money.
What We Help You Work Through
Understand what the investment owns and how it is expected to make money.
Review the manager, fees, debt, valuation method, and past experience.
Find out when money can be withdrawn and what may delay or limit a withdrawal.
Decide how much of your wealth can be tied up without affecting family or business needs.
Place the investment within the wider plan instead of treating it as a stand-alone idea.
Private Does Not Always Mean Safer
A private investment may move differently from the stock market, but that does not remove risk. The value may be based on estimates rather than daily trading. The investment may use debt. One manager may control key decisions.
We look through the label and ask what you truly own, how it earns money, and what could go wrong.
You Must Be Able to Leave the Money Alone
Some private investments limit withdrawals for months or years. Others may pause withdrawals during stress. We compare that limit with your known expenses, taxes, business needs, and emergency money.
Money that may be needed soon should not be locked into a long-term investment.
The Legal Structure Matters
Your rights depend on how the investment is set up. You may own units in a fund, lend money to a borrower, or hold part of a company. Each choice gives you different rights, risks, and ways to get your money back.
Size Matters as Much as Selection
Even a sound investment can cause trouble if it is too large for the family. We consider how much can be committed, how long it can remain invested, and how the rest of the plan would work if the investment pays less or takes longer than expected.
What a Stronger Position Looks Like
You understand what you own, how it may pay you, how long your money may be tied up, and how much belongs in the plan.
What Happens Next
Start with a confidential conversation. Tell us what you own, what is changing, and where you need greater clarity.
Organize the whole picture. We identify the key facts, gaps, risks, and decisions that need attention.
Set the next steps. We help put the work in the right order and bring in independent specialists when needed.
Continue the Research
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Why Multifamily and Self-Storage May Outperform - explores the operating case behind selected property sectors
Private Real Estate Cracks Widen. Gold Is the Last Safe Haven - contrasts productive private assets with tangible-reserve objectives
The Private Credit Collapse No One Saw Coming - highlights underwriting, leverage, liquidity and manager risk in private lending
Explore the complete Reset Report library: Research | Frameworks | White Papers
Related PFC Wealth Solutions
Why Work With Us
We help you slow the decision down, ask the right questions, and compare the opportunity with the rest of your wealth. Any investment must still meet the rules that apply to you and be available through the proper licensed channel.
Adrian C. Spitters, CFP®, FCSI®, CEA, is President and Private Wealth Advisor of PFC Wealth Solutions™ through Performance Financial Consultants Ltd. Since entering financial services in 1987, he has advised business owners, professionals, farmers, retirees and multigenerational families through repeated market, credit and economic cycles. He leads the family's planning and investment architecture, coordinates the appropriate independent professionals and helps ensure that every recommendation serves a defined role within the whole balance sheet. He is co-author of It Starts With Gold™ and co-founder of The Merrick Spitters Reset Report™.
Frequently Asked Questions
Question 1: Are private investments safer than the stock market?
No. They may move differently, but they can be hard to sell, hard to value, and more dependent on one manager.
Question 2: Can I get my money out when I need it?
Not always. Some investments limit or pause withdrawals. Money you may need soon should not be locked up.
Question 3: Who can consider these investments?
Only people who meet the rules that apply to them, through the proper licensed channel. We help you understand the fit before anything is offered.
Question 4: What happens after the first conversation?
We organize the facts, name the gaps, and set the next steps in order. You choose whether to continue.
Take the Next Step
If you are considering a private investment, we can help you understand the income, risks, access limits, and fit before you commit.
If you would rather keep learning first, subscribe for independent analysis on structural risk, ownership, liquidity, markets, succession and continuity. Every subscription includes the weekly Reset Report and a complimentary digital copy of It Starts With Gold™.
PFC Wealth Solutions™
Financial Planning and Insurance Advice
Adrian C. Spitters is a licensed insurance agent and President of Performance Financial Consultants Ltd., the licensed insurance agency through which his insurance business is conducted. PFC Wealth Solutions™ is a trade name of Performance Financial Consultants Ltd.
Information on this website is general and does not constitute financial, investment, insurance, legal or tax advice, or an offer or solicitation.
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Insurance business is submitted and processed through MAX Financial Ltd. and applicable insurers.
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Adrian C. Spitters provides securities advice in his separate capacity as a Dealing Representative of Axcess Capital Advisors Inc. Any discretionary portfolio-management services are provided by independent portfolio managers under separate agreements.
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Direct precious-metals introductions may be made to New World Precious Metals under a separately disclosed referral arrangement.
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